If you’re wondering how to save money on the cost of therapy, the following information may be of help:

1) If you have an insurance plan that has out-of-network benefits, such as a PPO plan, you may submit your therapy receipt to your health insurer and be reimbursed a portion of the fee.  Clients often do this quickly online for faster reimbursement. Please call your health insurance company at the phone number listed on the back of your insurance card to find out more about reimbursement rates with your particular plan.  As plans vary greatly, it is your responsibility to be aware of your personal insurance plan benefits. Please note that most HMO plans typically do not reimburse for treatment by providers outside of your network.

Please call and ask your health insurance company:

• Do I have out-of-network mental health benefits?
• Am I covered for “Family Therapy”?
• Am I covered for Telehealth?
• How much can I expect to be reimbursed?
• How do I get reimbursed?
• Do I have a deductible?  Is the deductible for individual or family?
• How many sessions per year will my plan cover?
• Do I need a pre-authorization in order to be reimbursed?
  

Fees for therapy are due at the time of service.  Sessions are 50-60 minutes. Initial sessions are longer.  Accepted methods of payment are cash, checks or credit card. 

2) If you have an HSA (Health Savings Account) or FSA (Flexible Spending Account) either through your employer or yourself, you may utilize these to pay for mental health services. Please call your HSA or FSA plan provider to find out about your specific account and how it works.  In most cases the account is set up via a funded debit card or credit card.

3) If you have a high deductible insurance plan, fees for treatment may likely count toward reducing your deductible amount owed, per plan year, so you may more quickly utilize the best plan rates after your deductible amount has been met.  Again, please call your insurance provider about the details of your specific plan.  

4) Ask your accountant if any of your medical expenses may be tax deductible.  If so, invoices and receipts, if needed, will be provided upon request.